Our employee-sponsored health plan covers essential medical expenses, but it doesn’t typically pay for everything—like copays, deductibles, coinsurance, or non-medical costs that come with illness or injury. That’s where supplemental coverage through providers like Aflac or Colonial Life comes in. These plans help fill the gaps by providing cash benefits directly to employees to help cover lost income, out-of-pocket expenses, or everyday bills while they recover—offering an extra layer of financial protection that traditional health insurance doesn't. Mommy had some supplemental insurance ,she was waiting for a bill for an x-ray and broken thumb. She went to the mailbox one day , there was a 1200$ check. Me personally I have heart disease it runs in my family . Both fathers parents, father, uncle, all on the same side. If anything happens to my heart ,stents angioplasty ,stroke ,heart attack, god forbid. I assuming stents at the very least my father got them at 45. I'm 37 , Point being depending on the event its 50-100k and I don't have to die for it j/k. I'm sure you can guess what pays more but Idk a stent for 50k doesn't sound so bad right now lol. All jokes aside I hope I don't ever need it but for me it made sense i bought it at 30 and its 82$ a month. When I'm not working hopefully is when I need it. Same thing with my mom's side of family breast cancer,I made sure my sister got a policy. This sounds salesy and it is lol but its real life. It's not like buying whole life insurance at 49. We have Something for everyone!